Current
Promotions

Refer-a-Friend
 New member must open a membership and checking account with direct deposit for new and current member to receive $100. The referral bonus will be deposited into each account within 30 days of direct deposit into new CCCU Checking. Direct deposit must be established within 6 months of account opening (Direct Deposits excludes digital wallet and income earned through self-employment or working an IRS-classified “Gig Economy” job). Offer valid for new member checking accounts, existing City & County checking accounts do not qualify. APY=Annual Percentage Yield. APY from 0%-0.25% available depending on checking product selected. Minimum $5 to open membership. No minimum balance required to open a checking account. Depending on checking product selected, minimum balance of $0-$10,000 to earn APY. Referral form or referral code must be referenced at account application. Referring member must be in good standing. Referral and account opening bonus may be reported to IRS. Program details subject to change. 

2% Balance Transfer
2% Balance transfer promotion ends 10/31/2025 and excludes transfers from CCCU Loan Accounts. Maximum amount of Balance Transfer Cash Back is $250 regardless of Balance Transfer amount. Balance Transfer Cash Back will be deposited to the share account by 12/25/2025 and any balance transfers paid in full by 12/18/2025 will not be eligible. Cash advance fee is 2% or a $10.00 minimum. Foreign Transaction fee is 1% of each transaction in U.S. dollars. See Credit Card Agreement and Disclosure for complete details. Excludes Business Credit Cards and Secured Credit Cards.

Home Equity $0 Closing Costs
Fixed Home Equity: Maximum term available is 240 months. Payment per $10,000 (excluding tax and insurance): 80% is $114.78 at 6.74% APR for 120 months, $81.39 at 7.59% APR for 240 months, and 90% Loan-To-Value is approximately $87.69 at 8.59% APR for 240 months. Home Equity Line of Credit (HELOC): The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicant's credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Lockable rate is based on available 20-year Fixed Home Equity 80% Loan-To-Value rate. Payment is the greater of 1% of outstanding balance or $50. Member is responsible for all closing costs, including appraisal, if less than $25,000 advanced at consummation. Closing costs including appraisal generally range from $300-$3,000. Rate based on applicant’s credit qualifications, collateral, and loan term. Minimum loan amount is $25,000. Member responsible for cost of appraisal regardless of completion of loan. Appraisal fee may range from $102-$1,000 depending upon location. Homeowners insurance is required. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

New Checking Account
Up to $100 Cash Back: Earn $50 for one or more new ACH direct deposit(s) greater than or equal to $500 in the 60 calendar days from account opening (excludes digital wallet and income earned through self-employment or working an IRS-classified “Gig Economy” job). Earn $50 for making 6 total debit card transactions (excludes ATM usage and digital wallet transactions). Cash Back deposited to qualifying checking within 60 days of qualifying events. Offer valid only on new checking accounts (account owners/co-owners do not currently have, nor have had, a checking account at CCCU in the last 12 months). Accounts must be in good standing at time of qualification. Limited to one offer per household. Cash Back is considered a bonus and is reportable to IRS. APY = Annual Percentage Yield. APY from 0%-0.18% available dependent upon checking account options selected. Rates effective as of 07/01/2025, and subject to change. No minimum balance required to open a checking account. Minimum balance from $0-$10,000 to earn stated APY. Other conditions or restrictions may apply. Call for complete details. Offer subject to change. 

Auto Loans
*APR = Annual Percentage Rate. Actual rate based on applicant's credit qualifications, collateral and loan terms. Rate effective as of 9/15/2025 and includes a .25% discount for automatic payments. Rates and terms subject to change. Interest will accrue for the first 90 days without payment. Loan purpose restrictions may apply. Contact CCCU representative for more information. 

$750 off Closing Costs
Equal Housing Opportunity. Mortgages not available in all states. Closing cost credit is applied as a lender credit towards eligible closing costs. Closing cost offer available on applications submitted through 12/31/2025 and subject to change. Loans greater than $100,000 may be eligible for up to a $750 lender credit, all others may receive up to a $500 lender credit. If applicant does not attend a CCCU Home Buying Webinar or GreenPath Learning Lab+ Home Buying Course, must complete all 5 lessons in Home Buying course, lender credit will be $250 less than quoted amount. Offer not available for home equity or commercial loans. Other restrictions may apply. Contact us for more information.

CD Specials
APY = Annual Percentage Yield. Rates effective as of 9/4/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.01% APY and 15-month CD for 3.61% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.80% APY, 15-month CD for 3.40% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings. Ask a CCCU representative for complete details.

Student Loan Refinance
By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Must be a member of credit union, US Citizen or Permanent Resident and have completed a degree at an approved school to be eligible for student refinance loans. Student loans are made by CU Student Choice. CCCU is not the creditor and is compensated by CU Student Choice for referral of loan consumers. $300 cash deposit will be deposited into your savings account within 90 business days from the funding date of your loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences. Offer subject to change. Contact CCCU for more details.

3 Months No Payments, No Interest Offer
To qualify, the loan application must be started between 1/3/2025 and 1/3/2026 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

$300 Cash Offer
To qualify, the loan application must be started between 1/1/2025 and 12/31/2025. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $300. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.